5/21 My boss's new black BMW got keyed recently along the length of the car.
He tried to buff it out, but the scratch is still there. Any
recommendations? Thanks. No, I didn't do it.
\_ are you the world's biggest sycophant? why do you even care?
\_ Comprehensive insurance. My car got keyed and I paid $50 out-of-
pocket. $100 and $150 are more common of more expensive cars.
\_ Bad suggestion. Your insurance will go up. Don't file frivolous
claims.
\_ That's what comprehensive insurance is for.. it includes
minor theft / vandalism and isn't supposed to count
towards your premium going up. They aren't allowed to
hike your premiums for these things. BTW, this also
includes things like cracks in your windshield from
rocks on the freeway
\_ My premium didn't go up. Claims against comprehensive
(because they're committed by acts of vandalism or acts
of God) don't increase your premium. Check with your
insurance.
\_ "If God lived on Earth, people would knock out all His
windows." -- Yiddish saying
\_ Anything under $500 or so should not increase your premium.
But most comprehensive come with a deductible that you
have to pay out of your pocket. If you have $250 or $500
deductible, not worth it.
\_ Mine was over $500 and it didn't increase my premium.
The point is that it wasn't your fault and was
completely out of your control. In that case, it should
not count against you as it would if you were simply
a bad driver. $250-$500 deductibles are pretty steep.
I've never seen them that high although it would be
plausible.
\- Helo I dont think you understadn moral hazard.
Anyway, if you file a lot of claims, it may suggest
you somehow more expensive to insure ... whether that
is because you live/work/park in a bad area, have
a nasty bumper sticker that pisses off people and
gets your car keyed, whether you have a stalker or
neighbor who hates you. Unless an insurance co is
regulated against using filed claimed as signals,
it probably makes sense for things like this to have
an effect on primiums. --psb
\_ You must be paying high premium. How often do you
claim for comprehensive?
\_ Not really. I only filed once because some
asshole who deserves to be gang-raped in
San Quinton keyed my mid 90's car.
\_ If you hadn't blocked his driveway,
he wouldn't have keyed your car.
\_ I had a $100 deductible on my comprehensive (I
don't have comprehensive any more). Came in handy
when a rock cracked our windshield (and the
windshield cost $900 to replace).
\_ Do you drive a BMW or sports car?
\_ If your boss drives a BMW, he/she must have money pay for such minor
damages. Why even trying to waste your precious time to even
find a cheap way to fix it.
\_ because he's the one who keyed it
\_ Loser #1: No one likes wasting money, even BMW drivers.
Loser #2: I didn't do it.
\_ Loser #3: ass kisser.
\_ Oh yes, I see now how this discussion has evolved.
\_ BMW drivers have hearts and souls, too. And sometimes not\
so snobby as to think "$500 is nothing." --chris
\_ It's actually amazing what misconceptions people have of
BMW as being an expensive car. Relatively speaking, a
3-series actually costs less than those monsterous SUVs
and even many sedans that look cheap (Subaru STi, Evo,
G35, Lexus, etc.).
\_ X5
\_ My 3 series was over $40K. Lexus, G35, and such were
almost $10K cheaper. It is expensive for what it is. By
the way, keeping a low deductible is a waste of money.
Get one with $500 or $1000 and use it only when you need it.
\_ Lexus and G35 are pieces of crap. Just because they're
$10K cheaper doesn't mean it's a good value. You should
have bought a used 5-series for the same money. -chris
\_ That's actually true. Edmunds uses to concept of
true-cost-of-ownership which factors in things
like mileage, depreciation, and maintainance costs.
BMWs have free maintainance for the first 3 years.
They hold their value pretty well and they're
pretty fuel efficient. Their lame SUVs, on the
other hand, are a different story.
\_ I think Lexus is a better car and my next car
might well be a Lexus. Also, if I wanted a 5
series I would've gotten a 5 series. I didn't
want a 5 series.
\_ Latest issue of Consumer Reports shows that
reliability for Mercedes & BMW is in the dumps.
Japanese luxury cars don't have that problem.
\_ Yep. My neighbor has a Mercedes and a
Volvo. His next car? Toyota Avalon. He's
sick of the problems and his last Toyota
had none.
\_ most of that is about trim pieces and such, as
opposed to costly mechanical stuff, but yeah.
\_ Look at it this way. I have had all 4
power window regulators replaced under
warranty at $400 each. When the warranty
goes out that is not a cheap repair. Add
in the time I wasted with my car in the
shop and the frustration (one broke on
my way to a concert and I had to go back
home to switch cars!) and it sucks! My
Honda hasn't had one regulator replaced
yet in TWICE the time!
\_ Well the 3 series price range is huge, the base ones are
retail 28K, invoice under 26. There are quite a lot of
cars in the 30-40K range that people don't get this
attitude over (Ford Explorer). High end brands just each
have connotations about what kind of people own them.
But for some reason Audi and Acura and even Lexus I think
don't have that brand image. Probably because it wasn't
until the 90's that they really got in the game. |
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